Sheldon, IL · Cert 936
FDIC · 2 branches
Q3 2016
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.12% | 0.12% | 0.22% | 0.20% | -0.02% | -0.14% | -0.64% | -86 bps | |
| Return on Equity | 5.37% | 1.18% | 1.30% | 2.51% | 2.23% | -0.23% | -1.62% | -7.82% | -1,033 bps | |
| Net Interest Margin | 3.53% | 3.29% | 3.05% | 3.07% | 3.10% | 3.21% | 2.95% | 2.75% | -32 bps | |
| Efficiency Ratio | 88.27% | 98.86% | 96.89% | 94.10% | 94.71% | 93.33% | 104.01% | 111.70% | +1,760 bps | |
| Non-Interest Burden | 3.00% | 3.25% | 2.93% | 2.85% | 2.89% | 2.95% | 3.09% | 3.15% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | 0.62% | 13.86% | 13.34% | 4.13% | 6.83% | 3.65% | 25.68% | +1,234 bps | |
| Loan Growth (YoY) | -3.25% | 1.23% | -1.27% | -5.18% | -3.89% | -4.89% | -3.04% | 5.61% | +1,079 bps | |
| Deposit Growth (YoY) | 0.86% | 0.27% | 14.95% | 14.76% | 4.51% | 7.46% | 3.67% | 28.56% | +1,380 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.63% | 0.28% | 0.16% | 0.17% | 0.66% | 0.32% | 0.86% | +70 bps | |
| Allowance / Loans | 1.50% | 1.37% | 1.39% | 1.43% | 1.39% | 1.40% | 1.24% | 1.01% | -43 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 9.88% | 9.02% | 9.11% | 9.21% | 9.36% | 8.58% | 7.60% | -151 bps | |
| Total Risk-Based Capital | 19.32% | 18.81% | 18.01% | 18.08% | 18.23% | 18.22% | 17.17% | 14.82% | -326 bps | |
| Equity / Assets | 10.08% | 9.87% | 7.25% | 9.04% | 9.77% | 9.37% | 7.25% | 6.89% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.35% | 65.15% | 47.31% | 57.63% | 62.86% | 57.66% | 44.25% | 47.34% | -1,028 bps | |
| Liquid Assets / Assets | 8.21% | 13.98% | 30.68% | 17.65% | 18.98% | 20.92% | 31.32% | 21.50% | +385 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |